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Himalayan BankXNEP:HBL +0.37%59 OCF Margin % is 91.57% as of Jul. 2026, which is 318% above its 10-year median of 21.92. GuruFocus rates XNEP:HBL with a GF Score™ of 59/100 and a GF Value™ of NPR153.94 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 1,487 Banks companies, Himalayan Bank ranks better than 81.37% on this metric.
The historical data trend for Himalayan Bank's OCF Margin % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Himalayan Bank's OCF Margin %, along with its competitors' market caps and OCF Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Himalayan Bank OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Himalayan Bank's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Himalayan Bank's OCF Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Himalayan Bank (XNEP:HBL) has a OCF Margin % of 91.57% as of Jul. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Himalayan Bank and its competitors. This is 318% above median its historical median of 21.92. According to the industry distribution chart, Himalayan Bank ranks #277 out of 1487 companies in the Banks industry, placing it in the top 18.6%.
Is Himalayan Bank's OCF Margin % too high?
Himalayan Bank's current OCF Margin % of 91.57% is 318% above median its 10-year median of 21.92. The Banks industry median OCF Margin % is 30.88. Himalayan Bank's value of 91.57% is 196.5% above this industry median. Based on the distribution chart, Himalayan Bank ranks #277 out of 1487 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Himalayan Bank has a GF Score™ of 59/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Himalayan Bank's OCF Margin % compare to competitors?
According to the Banks industry distribution chart, Himalayan Bank ranks #277 out of 1487 companies for OCF Margin %. This places Himalayan Bank in the top 19% of its industry — outperforming the majority of peers. The industry median OCF Margin % is 30.88. Himalayan Bank's value of 91.57% is 196.5% above this benchmark. While the company's 10-year median is 21.92 vs. the industry median of 30.88, Himalayan Bank has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 30.88, based on 1,487 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Himalayan Bank's current OCF Margin % of 91.57% is 196.5% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Himalayan Bank and its competitors. For the Banks industry, the median OCF Margin % is 30.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Himalayan Bank's current OCF Margin % is 91.57%, which is 318% above median its own 10-year median of 21.92. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Himalayan Bank stock overvalued right now?
Based on GuruFocus' analysis, Himalayan Bank (XNEP:HBL) is currently considered Modestly Overvalued. The stock's GF Value™ is NPR153.94, compared to a current price of NPR187.60 — trading 21.9% above its estimated fair value. The current OCF Margin % is 91.57%, which is 318% above median its 10-year median of 21.92 and 196.5% above the Banks industry median of 30.88. Himalayan Bank's overall GF Score™ is 59/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Himalayan Bank (XNEP:HBL), the current OCF Margin % is 91.57% as of Jul. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Himalayan Bank (XNEP:HBL) Overvalued in 2026?
Based on GuruFocus' analysis, Himalayan Bank stock appears to be overvalued.
The current stock price of NPR187.60 is trading 21.9% above its estimated GF Value™ of NPR153.94.
GuruFocus considers Himalayan Bank to be Modestly Overvalued.
Key valuation signals for XNEP:HBL:
OCF Margin %: 91.57% (318% above median its 10-year median of 21.92)
GF Value™: NPR153.94 vs. price of NPR187.60 (21.9% above fair value)
Industry Position: 196.5% above the Banks median (#277 of 1487)
No single metric tells the full story. See the XNEP:HBL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Himalayan Bank Ltd is a Nepal based company involved in the banking business. It includes products such as Loans and Advances, Letter of Credit, Guarantee, Remittance, Card Services, Bills purchase and discounting, Collection services, and many more. It also offers remittance services, card services, and other ancillary services like safe deposit locker services, as well as a wide range of electronic banking facilities. The products and services are offered to personal and business customers in Nepal. The company's maximum revenue is from the Loan and Advances product. Operates geographically within Nepal, with maximum revenue from Bagmati.
59GF Score
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